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Pre-Existing Condition Insurance – FAQs

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Explanation About Pre-Existing Conditions Coverage

  1. What is a Pre - Existing Condition?
  2. What are the Pre - Existing Coverage options available for visitors?
  3. What types of pre-conditions are covered? For example, at this age of above 80 its pretty normal for someone to have hypertension (moderately high BP)
  4. Is there any look back period for pre-existing condition coverage? If so what is the look back period for pre-existing conditions by the different insurers who offer visitor insurance ?
  5. What does "no pre-ex" and "pre-ex" mean? What is the difference?
  6. Are there any medical tests required to buy pre existing visitor insurance?
  7. Do you need a medical report of the person with the pre-existing condition?
  8. Will we get a document stating that we have insurance and stating that the pre-existing condition is covered?
  9. Can you suggest any insurance that will cover pre-existing conditions irrespective of the costs concerned for this coverage?
  10. Which are the plans that cover Pre - Existing conditions?
  11. How do insurance companies find out whether pre-existing conditions covered or not covered?
  12. Why should I worry about pre-existing conditions?
  13. Why should we buy insurance if the main treatments are not covered under pre-existing medical conditions?
  14. Why should I bother getting insurance if pre-existing conditions are not covered?
  15. Can I get pre-existing conditions covered?
  16. Are some illnesses excluded from coverage?
  17. What is pre-certification?
  18. What is the difference between full coverage for pre-existing conditions and coverage for acute onset of pre-existing conditions
  19. Why are Full Pre-Existing plans more expensive than other travel insurance plans with pre-existing condition coverage?

Questions Related to Specific Ailments and Coverage for Parents

  1. My father suffers from blood pressure and needs to take medications daily. Will the cost of these medicines be covered under visitor medical insurance ?
  2. My father-in-law is in the US and suffers from diabetes and he needs a treatment. Will the insurance company pay costs for sending back to native country in order to undergo pre-existing conditions treatment?
  3. My mother suffers from a heart treatment and I would like to bring my mother to the USA to get her medical treatment done. Will these medical costs be covered under visitor medical insurance?
  4. Is pregnancy covered under pre-existing conditions?
  5. Can I invite my parents to the US if they have pre-existing conditions. What are my options in this situation ?
  6. Once in a week my father-in-law needs to go for kidney dialysis. Will these medicines costs be covered under visitor medical insurance?
  7. My mother-in-law had a heart attack 5 years back. If she again gets heart related problems, will that be covered under visitor health insurance?
  8. My grand father is coming to the US next week to undergo some medical tests ? Will visitor insurance cover the expenses for this?
  9. My parents are visiting the United States. If a health emergency arises suddenly because of a pre-existing condition and they need health care, will these medi cal costs be covered under visitor medical insurance?
  10. My mother is 77 years old and has high BP. Can you suggest me a plan that covers pre existing condition at this age?
  11. My relative was suffering from kidney dialysis. She has already got her the required treatment in India. However we would like to get a medical check up done for her in the US. Will the medical tests be covered under pre-existing conditions?
  12. My visitor requires regular checks for his/her condition. Will this be covered? Can it be covered?
  13. My spouse and I are thinking about having a baby, can I get insurance to cover the birth and child?

General Questions About Insurance Plan Usage

  1. In case of emergency, any hospital is Ok or do we have to use one from a list of providers?
  2. While my visitor is with me, I would like to take him/her to a doctor to check his condition. Will that be covered? Can it be covered? I will pay extra to have this covered.

Specific Insurance Plan–Related Questions

  1. Do Seven Corners Travel Medical USA Visitor plans cover acute onset of pre-existing conditions?
  2. What does Full Pre-Existing Insurance mean for INF travel insurance plans?
  3. Are prescription medications covered by INF’s pre-existing conditions insurance?
  4. Does INF insurance really cover all pre-existing conditions?

Comparison of Pre-Existing Condition Plans

  1. Compare Pre-existing Plans

How Much Does Best Visitor Insurance With Pre-Existing Conditions Cost?

Best health insurance for visitors to USA with pre existing conditions

The cost of cheap travel insurance for visitors with chronic illnesses ranges from $39 to $229 per month, depending on factors such as visitor’s age, duration of coverage, medical maximum, and deductible.

Plan Name Medical Maximum Deductible Acute onset coverage Cost
Safe Travels Advantage $25,000 $0 Up to 89 yearsopen_in_new $39
Visitors care $25,000 $100 Up to 70 yearsopen_in_new $40
Safe Travels Elite $25,000 $0 Up to 89 yearsopen_in_new $50
Visit USA Budget $50,000 $250 Up to 65 years and aboveopen_in_new $49
Safe Travels USA Cost Saver $50,000 $250 Up to 69 yearsopen_in_new $139
Visitors Preferred $50,000 $250 Up to 70 yearsopen_in_new $148
Atlas America $50,000 $250 Up to 79 yearsopen_in_new $151
Patriot America Plus $50,000 $250 Up to 70 yearsopen_in_new $164
Travel Medical Basic $50,000 $250 Up to 79 yearsopen_in_new $168
Safe Travels USA Comprehensive $50,000 $250 Up to 69 yearsopen_in_new $172
Venbrook Premier $50,000 $250 Up to 70 yearsopen_in_new $176
Diplomat America $50,000 $250 Up to 70 yearsopen_in_new $229

Source: American Visitor Insurance®

Best pre existing conditions travel insurance cost for outside US

The visitor health insurance USA pre existing conditions cost starts from $55 to $233 per month. The cost depends on the visitor’s age, duration, medical maximum coverage and deductible.

Plan Name Medical Maximum Deductible Acute onset coverage Cost
VisitorSecure $50,000 $100 Up to 70 yearsopen_in_new $55
Atlas International $50,000 $250 Up to 79 yearsopen_in_new $117
Patriot International Lite $50,000 $250 Up to 70 yearsopen_in_new $121
Travel Medical Basic $50,000 $250 Up to 79 yearsopen_in_new $121
Intermedical $50,000 $250 Up to 80 yearsopen_in_new $121
Atlas Premium International $50,000 $250 Up to 79 yearsopen_in_new $164
Safe Travels International $50,000 $250 Up to 69 yearsopen_in_new $233

Source: American Visitor Insurance®

Health insurance for visitors to USA with pre-existing conditions

Review US visitor insurance plan benefits.

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How Can You Tell If a Condition Is Considered Pre-Existing for Travel Insurance?

A pre-existing medical condition refers to any health problem you had before your travel insurance started, even if you didn’t know about it.

Insurance companies check your recent medical history (called the look-back period, usually 60 to 180 days) to decide if something counts as pre-existing.

This includes any condition where you:
  • Were diagnosed or treated by a doctor.
  • Were taking medicine for the condition.
  • Had symptoms or tests related to it.
  • Were advised to see a doctor for it.
Example:

If you took medicine for high blood pressure or diabetes a few months before your trip, that will be seen as a pre-existing condition.

Why Should I buy Visitor Insurance for Pre-Existing Conditions?

There are several compelling reasons for buying Visitors Insurance for Pre-existing conditions. Some of the important reasons are :

  • Coverage for Sudden Medical Emergencies: Visitor insurance that includes acute onset of pre-existing conditions provides protection if a long-term health issue (like diabetes or heart disease) suddenly flares up during your trip. This helps travelers get timely treatment without facing large medical bills.
  • Comprehensive Medical Support: These plans not only help with sudden complications of pre-existing conditions but also cover new illnesses, injuries, and doctor or hospital visits that may occur while you’re in the U.S.
  • Protection Against COVID-19 and Other Infections: If you contract COVID-19 or another covered illness while visiting the U.S., your insurance can help pay for the necessary treatment, ensuring your trip isn’t disrupted by unexpected medical costs.
  • Emergency Assistance and Evacuation: If your condition worsens and requires transportation to a better-equipped hospital or your home country, emergency medical evacuation benefits can take care of those arrangements and expenses.
  • Financial Security During Travel: Visitor insurance with pre-existing coverage helps you travel confidently knowing that if your health condition unexpectedly worsens, you won’t face overwhelming out-of-pocket expenses.
  • Ideal for Senior Travelers: This type of coverage is especially valuable for parents or elderly travelers visiting the U.S., providing peace of mind and essential medical protection throughout their stay.

Why Choose American Visitor Insurance to buy the Best Pre-Existing Condition Travel Insurance?

These are some of the important reasons to use the American Visitor Insurance platform to buy the Best Pre-Existing Conditions Visitors Medical Insurance

  • Over two decades experience and Thousands of satisfied customers: The staff at American Visitor Insurance have over twenty years of experience in the US visitors Insurance domain. American Visitor Insurance has helped Thousands of international travelers find the best travel insurance for their needs.
  • Trusted Source: American Visitor Insurance works with top-rated U.S. travel insurance companies and offers plans specially designed for visitors with existing medical conditions, ensuring protection against high healthcare costs during travel. American Visitor Insurance has constantly worked to make it easy for a traveler to make an informed decision and find the best visitor insurance for their needs by providing useful comparison tools, relevant FAQs , customer forums and resourceful blogs.
  • Compare Side-by-Side: Instantly review coverage, benefits, exclusions, and prices for leading plans including INF Elite X, INF Premier X, Visitors Protect, Safe Travels USA Comprehensive, Travel Medical Choice, and Patriot America Plus.
  • Tailored Coverage Options: Plans available for visitors to the U.S., senior travelers, and parents visiting children abroad, offering both acute onset and full pre-existing condition benefits.
  • Comprehensive Protection: Coverage includes hospitalization, emergency medical treatment, doctor visits, prescription drugs, medical evacuation, and repatriation helping manage both new and existing conditions.
  • Transparent Pricing: Get instant online quotes with clearly listed premiums, deductibles, and policy limits no hidden charges or confusing fine print.
  • Nationwide PPO Network: Access a large network of PPO healthcare providers in the U.S. for cashless treatment and faster claim settlements.
  • 24/7 Expert Assistance: Our licensed agents are available around the clock to help you select the right plan, understand pre-existing condition terms, renew coverage, or file claims while abroad.
  • Peace of Mind for Every Traveler: Whether you’re a senior, long-term visitor, or a traveler managing chronic conditions, American Visitor Insurance ensures safety, security, and financial protection wherever you go.

Which Is the Best Visitor Insurance for Pre-Existing Conditions in the USA?

The best US visitors insurance with pre-existing conditions coverage is listed here:

Patriot America Plus IMG

  • Acute onset of pre-existing condition: Covered up to the selected policy maximum for individuals aged 70 and under.
  • Emergency medical evacuation: Covers $25,000 maximum limit
  • Direct Billing: First healthcare network First health care Provider Network or United HealthCare United Healthcare Provider Network
  • Patriot America Plus cost for 65 year old traveler ranges from $121 to $463 for a month.

  • Policy maximum?
    $50,000 to $1,000,000

  • Deductible options?
    $0 to $2,500

  • Period of coverage?
    5 days to 12 months

Safe Travels USA Comprehensive Trawick International

  • Acute onset of pre-existing conditions: Up to 89 years
  • For those under 70, medical treatment is covered up to the policy maximum. For individuals aged 70 to 79, the acute onset benefit is limited to a maximum of $35,000. For those aged 80 and above, the benefit is reduced to a maximum of $20,000.
  • Direct Billing: First HealthCare First health care Provider Network
  • Safe Travels USA Comprehensive cost for 65 year old traveler ranges from $125 to $316 for a month.

  • Policy maximum?
    $50,000 and $100,000

  • Deductible options?
    $0 to $5,000

  • Period of coverage?
    5 days to 364 days

Atlas America Insurance WorldTrips

  • Acute onset of pre-existing conditions: The plan covers up to the selected policy maximum for the acute onset of pre-existing conditions for ages under 80 years.
  • Emergency medical evacuation: $25,000 maximum limit
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • Atlas America Insurance cost for 65 year old traveler ranges from $124 to $372 for a month.

  • Policy maximum?
    $50,000 and $100,000

  • Deductible options?
    $0 to $5,000

  • Period of coverage?
    Up to 364 days

Venbrook Premier Venbrook International

  • Acute onset of pre-existing conditions: For ages up to and including 69, coverage is available up to the medical policy maximum purchased per policy period
  • Emergency medical evacuation: $25,000 maximum limit
  • Venbrook Premier may cover sudden diabetic events as acute onset under certain conditions. If no pre-existing conditions exist, it's treated as a cardiovascular event.
  • Venbrook Premier Insurance cost for 65 year old traveler ranges from $136 to $419 for a month.

  • Policy maximum?
    $50,000 and $100,000

  • Deductible options?
    $0 to $5,000

  • Period of coverage?
    5 days to 12 months

SafeVista Protect INF

  • Acute on set of pre-existing conditions: Covered up to maximum benefit except Cardiac Coverage for Angina, Heart Attacks, and Stroke. Maximum $25,000 for individuals under the age of 69, and $15,000 for individuals aged 70 and above (inclusive of PPO fees) with deductible $500
  • Coverage from 10 days to 364 days.
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • Safe Vista Protect Insurance cost for 65 year old traveler ranges from $150 to $262 for one month.

  • Policy maximum?
    $100,000 and $1,000,000

  • Deductible options?
    $0 to $5,000.

  • Period of coverage?
    10 days to 364 days

Visitors Protect IMG

  • Offers comprehensive coverage for pre-existing conditions up to age 99, though premiums may be higher for older travelers.
  • Provides coverage for pre-existing conditions with a maximum benefit of up to $25,000 for individuals aged 0 to 69. For those aged 70 to 99, the maximum benefit is $15,000 and is subject to a $1,500 deductible.
  • Direct Billing: First healthcare network First health care Provider Network or Unitedhealthcare United Healthcare Provider Network
  • Visitors Protect Insurance cost for 65 year old traveler ranges from $637 to $1,593 for 3 months.

  • Policy maximum?
    $50,000 and $250,000

  • Deductible options?
    $250 to $5,000

  • Period of coverage?
    Minimum purchase 90 days

INF Elite X INF

  • Full Pre-existing condition coverage:
    • Ages 0–69 years: Choose a pre-existing condition coverage limit of $25,000, $30,000, $40,000, or $50,000 with a deductible of $1,500, $2,000, $2,500, $5,000, or $10,000.
    • Ages 70–99 years: Choose a pre-existing condition coverage limit of $20,000 with a deductible of $1,500, $2,000, $2,500, $5,000, or $10,000.
  • Direct Billing: Unitedhealthcare United Healthcare Provider Network
  • INF Elite Insurance cost for 65 year old traveler ranges from $947 to $1,415 for 3 months.

  • Policy maximum?
    $150,000 and $300,000

  • Deductible options?
    $500 to $5,000.

  • Period of coverage?
    Minimum purchase 90 days

🩺What Is the Best Travel Insurance for Pre-Existing Conditions?

At American Visitor insurance, we help travelers to compare and buy the best travel insurance for pre-existing conditions and acute onset emergencies. We describe the coverage limits for pre-existing conditions, deductibles and age restrictions, so that travelers can make an informed choice even for chronic or high-risk conditions.

US Visitor Insurance Reviews

Reviews, Ratings and Experiences from our customers

Anirudh

Anirudh

"After rigorous searching for suitable student health insurances online, I stumbled upon the American visitor Insurance."

Yogesh

Yogesh

"We really thank American insurance team for providing great assistance in taking the insurance. We were successfully."

Meenakshi

Meenakshi

"Thank you American Visitor Insurance customer service for meticulously following through. I truly appreciate it."

More Testimonials »

Travel Insurance for Tourists With Pre-Existing Medical Conditions – FAQ

1. Is there travel medical insurance for seniors over 70 from USA?

Yes, there are many travel insurance options for seniors over 70 from the USA. Many US travel insurance providers offer policies specifically designed for older travelers, and some policies may have no age limit for coverage. However, it is important to note that the cost of travel medical insurance for seniors is higher than for younger travelers due to increased health risks and the likelihood of pre-existing conditions. Additionally, coverage and benefits may vary depending on the policy, and it is important to carefully review policy terms and conditions to ensure that you get the coverage you need.

Some US insurance providers that offer travel medical insurance for seniors over 70 from the USA include Trawick International, Seven Corners, IMG and WorldTrips. It's recommended to research and compare different policies on American Visitor Insurance based on costs, benefits and coverage for pre-existing conditions to find the best traveller insurance and value for your needs.

2. What’s the most important insurance coverage for senior travelers?

The most important insurance coverage for senior travelers is extent of medical coverage. Seniors are more likely to have pre-existing medical conditions and may be at higher risk for medical emergencies while traveling, making it essential to have adequate medical coverage in case of illness or injury. Travel medical coverage can include coverage for hospitalization, emergency medical treatment, and medical evacuation if needed.

In addition to travel medical coverage, senior travelers may also want to consider trip cancellation and interruption coverage, which can help protect against financial loss if they need to cancel or cut short their trip due to unforeseen circumstances such as illness or weather-related events. There is the option available for US travelers to buy travel insurance with cancel for any reason, which gives full flexibility to cancel a trip.

Among other important insurance coverage for senior travelers is the coverage for lost or stolen luggage, travel delays or missed connections, and accidental death or dismemberment. Older travelers should compare different US travel insurance policies to find the best coverage and value for their individual needs on American Visitor Insurance.

3. Can I find cheap travel insurance for seniors over 70?

Yes, it is possible to find cheap travel insurance for seniors over 70. Many insurance providers offer specialized travel insurance plans that cater to the needs of older adults. By comparing quotes from different insurers and considering factors such as coverage options, deductibles, and pre-existing condition coverage, seniors can find affordable travel insurance that suits their specific requirements. It is advisable to shop around and explore various options to find the most cost-effective travel insurance policy for seniors over 70.

4. How can I compare different travel medical insurance for seniors over 70?

Older travelers can easily compare different travel insurance over 70 plans on American Visitor Insurance which allows you to compare features, benefits, and prices of different policies. travelers can review travel insurance plans based on your specific needs and preferences. For example, if you are looking for visitor insurance which focuses on the health of the traveler, you can compare insurance based on the specific coverage for medical ailments, coverage for pre-existing conditions, the co-insurance and deductible for the insurance plan Some of the factors that you should consider while comparing visitor insurance health insurance for the traveler are:

  • The maximum medical coverage available for the age of the traveler
  • The cost of insurance and deductible and co-insurance expenses
  • The Preferred provider organisation (PPO) network of the insurance provider and user reviews
  • The coverage for pre-existing conditions and any exclusions and limitations of the policy
  • The customer assistance and emergency helpline of the insurer

5. How important is the visitors insurance for parents over 70?

Visitor health insurance which insures mainly the health of the traveler against accident or sickness when he/she is traveling overseas is very important since healthcare is very expensive, especially in the USA. Visitor health insurance is important even if you have health insurance in your home country which you believe will work in the US. The main reason for this is that US insurance providers negotiate with the healthcare providers in the US to get a better pricing for medical services, something that is not available to international insurance providers. This makes US healthcare very expensive even with travel medical insurance coverage which do not have negotiated rates with US healthcare providers.

Visitor insurance which focuses on insuring the travel expenses along with the health of the traveler is very important to protect travelers from unforeseen risks and emergencies that may occur during their trip. Travel insurance can provide coverage for various situations such as:

  • Medical expenses due to illness or injury
  • Trip cancellation or interruption due to unforeseen reasons
  • Loss or delay of baggage or personal belongings
  • Passport or travel document theft or loss
  • Emergency evacuation or repatriation
  • Legal liability or personal accident
  • Travel assistance and support

Having the best visitor insurance is really important given its relative cost to that of the trip and the cost of healthcare overseas. Visitor insurance can help you save money, time, and hassle in case something goes wrong during your trip. It can also give you peace of mind and confidence to enjoy your travel experience. Therefore, travel insurance is strongly recommended for travelers to travel safely and securely.

It is easy to find the best visitor insurance online by comparing several insurance options on American Visitor Insurance based on cost as well as coverage benefits offered.

6. How much is travel insurance for 70 year old cost?

The travel insurance cost for a 70-year-old traveler typically ranges from $138 to $835 per month, depending on the plan type, coverage limits, and duration of travel. Factors that can influence the cost include:

  • The age and health of the traveler (older the traveler, higher the cost)
  • The destination and duration of your trip (cost in US is most expensive)
  • The amount of medical maximum coverage chosen (higher the coverage, higher the cost)
  • The deductible and co-insurance of the insurance
  • Any add-on benefits (pre-existing conditions coverage etc.. cost more)
7. Is there any pre-existing exclusions for INF plans?

Yes. There are six main exclusions (applies to all the INF plans) Cancer Dialysis Cataract / Vision sickness Mental Illness (depression / anxiety) Preventive / Maintenance care (except for INF Elite Plus and INF Premier Plus) Sleep Apnea.

Which Pre-Existing Conditions Are Covered by US Travel Insurance?

Visitor Insurance for Asthma
Compare visitors medical insurance that cover asthma attacks, flare-ups, and emergency treatment abroad.

View Plans »

Visitor Insurance for Arthritis
Find visitors health insurance that helps cover arthritis pain, joint issues, and sudden medical care while traveling.

View Plans »

Visitor Insurance for Diabetes
Get visitors travel insurance for diabetes, including emergency care for sugar level complications while overseas.

View Plans »

Visitor Insurance for Heart Ailment
Choose travel insurance that covers heart problems such as chest pain, heart attack, or cardiac emergencies.

View Plans »

Visitor Insurance for Cholesterol
Protect against health risks from high cholesterol with visitor medical insurance covering related complications abroad.

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Visitor Insurance for Hypertension
Find visitor health insurance that covers high blood pressure emergencies, strokes, or related complications while traveling.

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Travel Insurance for Cancer Patients
Travel Insurance for Cancer Patients

Covers emergency care, treatment interruptions, or unexpected medical expenses related to cancer while abroad.
View Plans »

How Does Coverage for Pre-Existing Conditions Work?

  • Definition of a pre-existing condition – what medical conditions are considered pre-existing.
  • Look-back period – the time frame prior to travel during which a condition is considered pre-existing.
  • Type of coverage – whether the plan covers only acute onset (sudden flare-ups) or full coverage (ongoing treatment).
  • Coverage limits – the maximum amount the policy will pay for pre-existing conditions.
Whether a travel health insurance plan covers your pre-existing conditions depends on all these factors.

Acute onset vs. Chronic Conditions

Type Definition Examples
Acute Onset of a Pre-Existing Condition A sudden and unexpected onset of a pre-existing condition that occurs after coverage starts and requires immediate medical attention. Heart attack, sudden asthma attack, acute appendicitis
Chronic Pre-Existing Condition A long-term or ongoing condition that existed prior to coverage and is generally managed over time Diabetes, hypertension, chronic kidney disease

Some visitor insurance plans cover acute onset of certain pre-existing conditions but do not cover chronic management.

Visitors Insurance for Seniors

60

Visitor medical insurance for travelers above 60 years

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65

Visitor medical insurance for travelers above 65 years

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70

US Visitors insurance for travelers above 70 years

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75

Visitor medical insurance for travelers above 75 years

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80

Visitor health Insurance for travelers above 80 years

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90

US Visitors insurance for travelers above 90 years

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